Category: Uncategorized
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Listening
Growing up it was common for the old timers in our small town to tell the youth of the day ” God gave you 2 ears and one mouth, so you should listen twice as much as you talk “. From time to time with my own kids, I would quite often say “you need…
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Fear, Hype, and Bullshit
As we are now through the first 6 months of 2025, I think it is a great time to take a bit of a look back on the last 180 days, and see where we go from here. Tensions were high coming into the year with Canadian Parliament being shut down, DJT preparing for his…
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Muddy Waters
Just when you think that interest rate policy decisions were going to become easier – they got muddy – and fast. With the bombing of Iran’s nuclear assets in the last 24 hours, a whole host of things are about to change. While probably near the bottom of the list for many folks, it will…
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Love It Or List It
From 2008 until 2023 there was a show on HGTV called love it or list it. We all probably watched it at some point. Coincidentally, it went off the air about the same time that Canada’s real estate market was starting its long, slow grind down. It did come back on the air this year,…
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Let Them Eat Cake
As we sit on the eve of tomorrows rate cut announcement from Uncle Tiff at the BOC, we have a lot to look at. The announcement, for what it is worth will likely be a hold, but there is just so much more going on in the financial world to look at. Uncle Tiff is…
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Creative Writing
I want to begin with a bit of an apology. I haven’t been blogging the way I used to. The thing about running an American based business is that when an American President puts in place a Buy American policy – business picks up – A LOT. Tariffs may be good, they may be bad,…
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The Basis Of Basis
Basis is something, that in the mortgage world is usually followed by the word point. We all know what a basis point is. 1/100 of 1 percent. If you don’t know that, then you ought to call up your brokerage, and make arrangements to surrender your mortgage license. But, basis can mean many thing to…
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Almost Always Almost Never
One of the great things about my life, is that I get to read a lot. I read a lot of different sites, I devour news content like almost no one else. I am always trying to read as much as I can. On Sunday night, it was a bad deal to be reading a…
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Forced To The Margin
Phew ! What a week we saw in the markets. Weeks like this are only rivalled by a couple times in history such as the COVID 19 meltdown in 2020 meltdown, the GFR in 2008 and the tech wreck in 2001. It is something when we see global indexes plunge by double digit amounts in…
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Cart Before The Horse
Today is likely to be the day that we all look back on. Today we saw the announcement of tariffs from the US to the rest of the world. In what was quite possibly the most haphazard, mismanaged, misunderstood presentation in a long time, we finally know who will have what tariffs. I am pretty…
Ryan Sims insights, thoughts, and analysis 